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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $116,220 | $156,616-25.8% | $133,346-12.8% | $198,609-41.5% |
| Participation rate | 66.7% | 77.7%-11.1pp | 72.8%-6.2pp | 82.4%-15.7pp |
| Annual return | 14.24% | 44.25%-30.0pp | 36.85%-22.6pp | 202.70%-188.5pp |
| Employer contribution / active EE | $2,407 | $3,368-28.5% | $2,853-15.7% | $5,055-52.4% |
| Participant deferral / active EE | $5,805 | $4,920+18.0% | $4,332+34.0% | $6,977-16.8% |
| Admin fee / account holder | $32,811 | $17,468+87.8% | $14,264+130.0% | $19,030+72.4% |